At a Glance
- Tasks: Maximise debt recovery while supporting customers with empathy and professionalism.
- Company: Join a values-led organisation making a real impact in communities.
- Benefits: Enjoy a great work/life balance, hybrid working, and a generous pension scheme.
- Other info: Flexible working hours and opportunities for continuous improvement await you.
- Why this job: Make a difference by helping customers and contributing to community wellbeing.
- Qualifications: Experience in debt recovery and strong communication skills are essential.
The predicted salary is between 39921 - 39921 £ per year.
We’re looking for a professional, organised and customer-focused Debt Recovery Officer to provide an efficient debt recovery service, helping maximise the collection of rental and other housing-related debts while supporting positive outcomes for customers. This is a varied role within our Housing Management team, working proactively with current and former tenants, customers, colleagues and external agencies to recover outstanding debt, minimise financial loss to the Association and ensure all recovery activity is carried out in line with our policies, procedures and relevant legislation.
You’ll respond to debt recovery enquiries in a professional, empathetic and customer-focused way, negotiate realistic repayment plans, prepare reports and write-off recommendations, and contribute to continuous improvement across our debt recovery processes.
What You’ll Be Doing
- Maximising the collection of rental and other housing-related debts through a professional and effective debt recovery service
- Working proactively with current and former tenants, customers, solicitors and external debt recovery agencies to recover outstanding debt
- Responding to customer enquiries in a professional, empathetic and customer-focused manner, including agreeing realistic repayment plans where appropriate
- Preparing reports, statistical information and write-off recommendations as required
- Maintaining accurate records and ensuring all debt recovery activity complies with relevant legislation, regulatory requirements and Association policies and procedures
- Contributing to continuous improvement of debt recovery processes and service delivery
What We’re Looking For
- Experience of debt recovery, income collection or credit control
- Demonstrable experience of applying policies and interpreting guidelines, with knowledge of confidentiality and data protection requirements
- Excellent communication and negotiation skills, with the ability to deal sensitively with difficult situations
- Ability to manage a varied workload, work under pressure, prioritise effectively and meet deadlines
- Good IT skills, including experience of housing management or finance systems, and the ability to maintain accurate records and produce reports
- Knowledge of housing legislation, debt recovery procedures, external debt recovery agencies and legal processes would be desirable
Why Join Us
- You’ll play an important role in supporting the Association’s financial wellbeing by recovering rental and housing-related debt
- You’ll work closely with customers, colleagues, solicitors and external agencies to achieve fair and practical outcomes
- You’ll join a values-led organisation committed to collaboration, respect, kindness and continuous improvement
- You’ll help deliver services that make a direct difference to customers, communities and the sustainability of our homes
What We Offer
- Working hours: 21 hours over three days
- Hybrid working: Office based with some flexibility. Office location: Livingston
- A varied customer-focused role supporting debt recovery, income collection, reporting and continuous service improvement
- The opportunity to work collaboratively with customers, colleagues, solicitors and external debt recovery agencies
- A rewarding role helping minimise financial loss, support customers and contribute to strong communities and excellent customer service
Benefits include:
- Excellent work/life balance culture
- Access to online health and wellbeing services
- Pension scheme from day one with a 10% employer contribution
Equal Opportunities
Almond is an equal opportunities employer and welcomes applications from all sections of the community. We are committed to creating an inclusive workplace and will consider all applicants fairly. Reasonable adjustments are available throughout the recruitment process.
Closing date for applications Monday 7th September 2026, 12:00
Full salary & employment details
Salary: £39,921 per annum FTE
Working hours: 21 hours over three days
Hybrid working: Office based with some flexibility. Office location: Livingston
Debt Recovery Officer in Livingston employer: Scottish Federation of Housing Associations
Home Fix Scotland is an exceptional employer, dedicated to fostering a positive and high-performing culture that prioritises employee wellbeing and continuous improvement. With a commitment to strategic growth and innovation in the housing sector, HFS offers its colleagues ample opportunities for professional development and engagement in meaningful work that directly impacts the community. Located in Scotland, the company values strong internal and external relationships, ensuring a collaborative environment where every team member can thrive.
Contact Details:
Scottish Federation of Housing Associations Recruitment Team
